2. Redirect your post when you move

If you move home, ask Royal Mail to redirect your post for at least six months so important documents don’t fall into the wrong hands. This gives you time to change your address with any financial or utility providers you may have forgotten about.

5. Make your password hard to guess

When coming up with any personal passwords, try not to make them obvious. So avoid using a pet’s name or mother’s maiden name, for example. Use a random mix of numbers, punctuation and letters for the strongest passwords. The longer they are, the better.

If you suspect or fear you have had your identity stolen or been a victim of fraud, act fast and contact your bank, the service provider in question, and your credit reference agency as well as Action Fraud at www.actionfraud.police.uk or call 0300 123 2040.

*A monthly fee of £14.99 applies after your 30-day trial – you can cancel at any time during your trial with no charge. New customers only.

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The opinions expressed are those of the author and are not held by Saga unless specifically stated.

The material is for general information only and does not constitute investment, tax, legal, medical or other form of advice. You should not rely on this information to make (or refrain from making) any decisions. Always obtain independent, professional advice for your own particular situation.